MKB Financial Statements (CBOM)
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Report date
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18.03.2021 |
24.03.2023 |
24.03.2023 |
01.03.2024 |
07.04.2025 |
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29.08.2025 |
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Currency
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RUB |
RUB |
RUB |
RUB |
RUB |
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RUB |
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Financial report URL
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Annual report URL
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Presentation URL
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Net operating income, bln rub |
? |
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59.3 |
62.1 |
43.4 |
113.5 |
64.1 |
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55.7 |
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Net interest income, bln rub |
? |
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59.3 |
79.6 |
62.0 |
116.2 |
105.8 |
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88.4 |
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Net commission income, bln rub |
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15.4 |
16.8 |
12.7 |
16.5 |
12.7 |
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13.7 |
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Income on securities, bln rub |
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-6.94 |
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-31.0 |
14.6 |
-8.33 |
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-8.34 |
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Operating Income, bln rub |
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27.1 |
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Net profit, bln rub |
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30.0 |
26.2 |
7.47 |
59.8 |
20.9 |
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8.35 |
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Ordinary share dividend yield, %
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0.0% |
0.0% |
0.0% |
0.0% |
0.0% |
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0.0% |
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Dividend payout ratio, %
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0% |
0% |
0% |
0% |
0% |
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0 |
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OPEX, bln rub |
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21.8 |
29.6 |
35.2 |
40.3 |
41.5 |
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44.0 |
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Amortization, bln rub |
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2.2 |
2.3 |
2.5 |
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2.8 |
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Employment expenses, bln rub |
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13.9 |
19.6 |
21.9 |
25.9 |
26.5 |
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27.3 |
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Interest expenses, bln rub |
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235.9 |
301.7 |
564.0 |
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Creation of provision for loan impairment, bln rub |
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18.9 |
8.12 |
25.9 |
24.1 |
41.6 |
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42.6 |
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Cash, bln rub |
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683.0 |
1 531 |
1 515 |
1 379 |
1 430 |
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1 322 |
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Net debt, bln rub |
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-683.0 |
-1 531 |
-1 515 |
-1 379 |
-1 430 |
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-1 322 |
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Bank assets, bln rub |
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2 916 |
3 420 |
3 973 |
4 667 |
5 009 |
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4 613 |
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Capital, bln rub |
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234.5 |
281.4 |
273.8 |
347.9 |
349.3 |
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354.8 |
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Loan portfolio, bln rub |
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1 009 |
1 342 |
1 845 |
2 350 |
2 698 |
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2 428 |
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Corporate loans, bln rub |
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889.0 |
1 181 |
1 649 |
2 149 |
2 480 |
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2 209 |
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Retail loans, bln rub |
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120.0 |
161.0 |
197.0 |
200.6 |
217.6 |
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219.3 |
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Deposits, bln rub |
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1 738 |
1 983 |
2 388 |
2 861 |
3 179 |
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2 955 |
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Corporate deposits, bln rub |
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1 236 |
1 418 |
1 794 |
2 076 |
2 156 |
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1 980 |
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Retail deposits, bln rub |
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501.0 |
565.0 |
594.0 |
785.5 |
1 023 |
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974.9 |
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Provision for loan impairment, bln rub |
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37.0 |
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236.0 |
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252.4 |
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Core capital adequacy ratio, % |
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12.7% |
12.5% |
12.1% |
12.4% |
11.0% |
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Total capital adequacy ratio, % |
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13.8% |
13.4% |
13.0% |
13.8% |
11.8% |
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Cost of risk ratio, % |
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1.80% |
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0.100% |
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Cost to Income (CIR), % |
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28.6% |
37.2% |
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35.2% |
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Loan to deposit ratio, % |
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58% |
68% |
77% |
82% |
85% |
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82% |
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Share of non-performing loans, % |
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3.10% |
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1.000% |
3.20% |
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Ordinary share price, rub |
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6.15 |
6.85 |
6.72 |
8.02 |
10.1 |
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7.88 |
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Number of ordinary shares, mln |
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33 430 |
33 430 |
33 430 |
33 430 |
33 430 |
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33 430 |
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Free Float, % |
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22.0% |
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22.0% |
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Market cap, bln rub |
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205.5 |
228.9 |
224.7 |
268.2 |
338.4 |
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263.4 |
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EV, bln rub |
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-477.5 |
-1 302 |
-1 290 |
-1 111 |
-1 092 |
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-1 059 |
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EPS, rub |
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0.90 |
0.78 |
0.22 |
1.79 |
0.62 |
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0.25 |
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ROE, % |
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16.9% |
12.6% |
3.7% |
23.4% |
7.0% |
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ROA, % |
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1.1% |
0.8% |
0.2% |
1.4% |
0.4% |
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Net intertest margin, % |
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2.30% |
2.60% |
1.80% |
2.80% |
2.30% |
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2.03% |
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Bank margin, % |
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50.6% |
42.2% |
17.2% |
52.7% |
32.6% |
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15.0% |
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P/E |
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6.85 |
8.74 |
30.1 |
4.49 |
16.2 |
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31.5 |
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P/B |
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0.88 |
0.81 |
0.82 |
0.77 |
0.97 |
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0.74 |
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Employees, people |
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5 511 |
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8 278 |
7 779 |
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7 189 |
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Labour productivity, mln rub/person/year |
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10.8 |
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13.7 |
8.24 |
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7.75 |
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Expenses per employee, thousand rub |
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2 519 |
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3 134 |
3 404 |
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3 794 |
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| MKB shareholders |
